All up, DH and I have 7 between us: our own everyday account, car savings, house deposit savings, travel savings, bills account and other savings account. Plus an account for DD and I guess we'll open one for DS soon.

Heaps.
Mortgage
Joint offset account (daily spending, pays get deposited here)
Old joint account with a different bank which is now only used to transfer money into to be paid off our CCs
Baby savings (which is currently empty with no plans for another baby yet lol)
Car services
Clothing / Medical / Vet
Council rates
Electricity bills
Gifts
Luxuries (hairdresser, etc)
Car rego, insurance, green slip
Uni savings (I won a scholarship but deferred so have the money in there)
Water bills

I have direct debits set up from our joint account on pay day for all of the sub-accounts. I would have more so I don't have to combine things like clothing / medical / vet but the limit is 10 lol

Also I have recorded all my income and expenses in a 'money' program for the last 15 years. I can tell you to the last cent how much we have earned and spent over this time. But I still can seem to stop over spending.

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